{"id":300026,"date":"2026-01-21T10:23:00","date_gmt":"2026-01-21T15:23:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=300026"},"modified":"2026-05-09T05:30:10","modified_gmt":"2026-05-09T05:30:10","slug":"best-membership-rewards-credit-card","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/best-membership-rewards-credit-card\/","title":{"rendered":"American Express: Which is the best Membership Rewards credit card for you?"},"content":{"rendered":"\n<p>The <strong><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/membership-rewards\/\">best Membership Rewards credit card<\/a> <\/strong>will depend on your spending habits and goals.<\/p>\n\n\n\n<p><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/membership-rewards-american-express\/\">Membership Rewards points<\/a> are the most coveted points currency in Canada, as they are highly versatile and can be used to <strong>get cash back or save on any type of travel<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1500\" height=\"1000\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/08\/cartes-amex-points-privileges-audrey.jpg\" alt=\"American Express: Which is the best Membership Rewards credit card for you? - amex membership rewards cards audrey\" class=\"wp-image-49436\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/08\/cartes-amex-points-privileges-audrey.jpg 1500w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/08\/cartes-amex-points-privileges-audrey-450x300.jpg 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/08\/cartes-amex-points-privileges-audrey-1024x683.jpg 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/08\/cartes-amex-points-privileges-audrey-200x133.jpg 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/08\/cartes-amex-points-privileges-audrey-768x512.jpg 768w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-best-membership-rewards-cards-why-focus-on-membership-rewards-points\">Best Membership Rewards Cards &#8211; Why focus on Membership Rewards points?<\/h2>\n\n\n\n\n\n<p>Before looking at the <strong>best Membership Rewards credit card<\/strong>, it is important to clarify why these points are considered so valuable. There are several reasons for this:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>Flexibility<\/strong>: Membership Rewards points can be redeemed for various options, such as travel bookings (any airline, tour, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/best-cruise-traveller-type\/\">cruise<\/a>, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/experiences\/all-inclusive-best-credit-cards\/\">all-inclusive vacation,<\/a> <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/independent-hotels\/\">independent hotels<\/a>, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/save-money-airbnb\/\">AirBnB<\/a>), statement credits for anything (cash back), merchandise, gift cards, and even <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/tutorial-transfer-membership-rewards\/\">transfers<\/a> to airline and hotel loyalty programs. This versatility gives you the freedom to choose rewards that match your preferences.<\/li>\n\n\n\n<li><strong>Transfer Partners<\/strong>: One of the most attractive aspects of Membership Rewards points is the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/tutorial-transfer-membership-rewards\/\">ability to transfer them<\/a> to various airline and hotel loyalty programs. This allows you to use your points for potentially high-value redemptions, such as premium class flights or stays at luxury hotels in the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/destination\/maldives-budget\/\">Maldives<\/a>, if that is what you desire, which are often more accessible than with traditional reward options such as cash back.<\/li>\n\n\n\n<li><strong>Transfer Bonuses<\/strong>: American Express occasionally grants transfer bonuses to <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/marriott-bonvoy\/\">Marriott Bonvoy<\/a> and <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/hilton-honors\/\">Hilton Honors<\/a>, which increases the conversion rate. This can significantly strengthen the power of Membership Rewards points, making them even more attractive for those looking to maximize their rewards.<\/li>\n\n\n\n<li><strong>No Expiration<\/strong>: Membership Rewards points do not expire as long as your account is in good standing. This allows you to save them for a larger use over time.<\/li>\n<\/ul><\/div>\n\n\n\n<p>It is important to note that the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/news\/points-value-target\/\">value of Membership Rewards points can vary<\/a> based on individual preferences, travel goals, and how effectively you use the points.<\/p>\n\n\n\n<p>In fact, <strong>they can even be worth more than 5.0\u00a2 \/ point<\/strong> if you transfer them to an airline loyalty program and use them for business class flights.<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td>USE<\/td><td>VALUE<\/td><\/tr><\/thead><tbody><tr><td>Fixed Points Travel Program<\/td><td>2.0\u00a2 \/ point<\/td><\/tr><tr><td>Transfer to Aeroplan<\/td><td>2.0\u00a2 \/ point<\/td><\/tr><tr><td>Transfer to British Airways Executive Club<\/td><td>1.7\u00a2 \/ point<\/td><\/tr><tr><td>Transfer to Asia Miles<\/td><td>1.5\u00a2 \/ point<\/td><\/tr><tr><td>Statement credit for any purchase<\/td><td>1.0\u00a2 \/ point<\/td><\/tr><tr><td>Transfer to Marriott Bonvoy<\/td><td>0.9\u00a2 \/ point<\/td><\/tr><tr><td>Gift cards<\/td><td>0.7\u00a2 \/ point<\/td><\/tr><tr><td>Merchandise<\/td><td>0.7\u00a2 \/ point<\/td><\/tr><tr><td><strong>Average value<\/strong><\/td><td><strong>1.7\u00a2 \/ point<\/strong><\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"130325\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-best-membership-rewards-cards-for-cash-back\">Best Membership Rewards Cards &#8211; For Cash Back<\/h2>\n\n\n\n<p>If you are looking for a simple cash back strategy, the best Membership Rewards card for you is the <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>Earn 5X the points<\/strong> on eligible food and drinks in Canada, including groceries and food delivery.<\/li>\n\n\n\n<li><b><strong>Earn 3X the points<\/strong><\/b> on eligible streaming subscriptions in Canada<\/li>\n\n\n\n<li><b><strong>Earn 2X the points<\/strong><\/b> <strong>for every dollar <\/strong>spent on eligible transit and gas purchases in Canada and for eligible travel purchases<\/li>\n\n\n\n<li>Earn 1 point for every $1 in Card purchases everywhere else.<\/li>\n<\/ul><\/div>\n\n\n\n<p>Points are worth 1\u00a2 per point when used as cash back. Therefore, the <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> is the <strong>best Membership Rewards credit card<\/strong> for cash back on basic expenses such as groceries, with a 5% return.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2022\/01\/Cobalt-E\u0301picerie-2.jpg\" alt=\"Save at the Grocery Store: The Best Combinations of Reward Programs and Credit Cards - Cobalt Grocery\" class=\"wp-image-191576\"\/><\/figure>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t<\/aside>\n\n\n\n<p>By combining this strategy with <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/points-gift-cards-strategy\/\">gift cards<\/a>, you can <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/special-offers\/5-points-stores\/\">get the same 5% return<\/a> on many &#8220;other&#8221; purchases that do not fall into the grocery category, such as <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/disney-gift-cards\/\">Disney<\/a>, Amazon, SAQ, etc.<\/p>\n\n\n\n<p>The fees you pay for the <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> can be <a target=\"_blank\" href=\"\/?p=276541\">easily justified<\/a> by the high earning potential and <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/special-offers\/american-express-offers\/\">numerous Amex promotional offers<\/a>.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"143408,276526\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-best-membership-rewards-cards-for-non-category-purchases\">Best Membership Rewards Cards &#8211; For Non-Category Purchases<\/h2>\n\n\n\n<p>If you make many purchases in the &#8220;other&#8221; category, such as your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/how-to-save-dentist\/\">dental bill<\/a> or <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/moving-furnishing-expenses\/\">furniture<\/a>, the <strong>best Membership Rewards card<\/strong> for you is the <a target=\"_blank\" title=\"Business Platinum Card<sup>&reg;<\/sup> from American Express\" href=\"\/go\/amex-business-platinum-card\/\" rel=\"noindex\">Business Platinum Card<sup>&reg;<\/sup> from American Express<\/a>, because you can make purchases on it and:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>Earn 1.25X the points<\/strong> for virtually every dollar of purchase.<\/li>\n<\/ul><\/div>\n\n\n\n<p>This is the highest multiplier you can have for earning Membership Rewards points and you <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/application-process-amex-small-business-cards\/\">can apply for a small business credit card<\/a> by following the steps described <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/application-process-amex-small-business-cards\/\">here<\/a>.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"135038\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>As you can see, the combination of the <a target=\"_blank\" title=\"Business Platinum Card<sup>&reg;<\/sup> from American Express\" href=\"\/go\/amex-business-platinum-card\/\" rel=\"noindex\">Business Platinum Card<sup>&reg;<\/sup> from American Express<\/a> and the <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> is perfect for obtaining the highest number of Membership Rewards points, as it covers and optimizes all categories for maximum earnings.<\/p>\n\n\n\n<p>Just like the <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>, the fees for the <a target=\"_blank\" title=\"Business Platinum Card<sup>&reg;<\/sup> from American Express\" href=\"\/go\/amex-business-platinum-card\/\" rel=\"noindex\">Business Platinum Card<sup>&reg;<\/sup> from American Express<\/a> can be offset by numerous benefits.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"182305\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22613\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-best-membership-rewards-cards-for-pharmacies\">Best Membership Rewards Cards &#8211; For Pharmacies<\/h2>\n\n\n\n<p>Some of you may have many <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/cards\/best-drugstore-cards\/\">pharmacy expenses<\/a>. Even if the RAMQ or another provincial plan covers you, you may have to <a target=\"_blank\" href=\"https:\/\/www.ramq.gouv.qc.ca\/en\/citizens\/prescription-drug-insurance\/rates-effect\">pay a certain amount<\/a> for your medications.<\/p>\n\n\n\n<p>For those who do not have coverage or if you have good insurance, you can pay for your prescription medications yourself and claim them later to get free and easy points.<\/p>\n\n\n\n<p>The <strong>best Membership Rewards card<\/strong> for pharmacy purchases is the <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a>:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>Earn 2X the points<\/strong> for every dollar of purchases made with the card at eligible gas stations, grocery stores, and pharmacies in Canada.<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"232930\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>I also use my <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> to buy essentials like toilet paper or detergent, as they are often cheaper than at grocery stores when on sale. This is <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/how-to-save-money-every-day\/\">a good way to save money daily<\/a> when the base cost is low, and you can optimize point accumulation!<\/p>\n\n\n\n<p>Combine this with the <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>, and you have the <strong>best Membership Rewards cards<\/strong> and a solid strategy that covers basic household needs.<\/p>\n\n\n\n<p>Additionally, I find that <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/back-to-school-savings-tips\/\">school supplies<\/a> are also at great prices in pharmacies during the summer, which is perfect for families.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"294822\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22620\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-best-membership-rewards-cards-for-luxury-and-budget-travelers\">Best Membership Rewards Cards &#8211; For Luxury and Budget Travelers<\/h2>\n\n\n\n<p>The <strong>best Membership Rewards cards<\/strong> for you will depend on your spending habits as detailed above.<\/p>\n\n\n\n<p>However, if you want to go further and accumulate superb benefits to reduce the cost of your vacations, whether you aim for luxury or budget, I recommend adding the <a target=\"_blank\" title=\"Business Platinum Card<sup>&reg;<\/sup> from American Express\" href=\"\/go\/amex-business-platinum-card\/\" rel=\"noindex\">Business Platinum Card<sup>&reg;<\/sup> from American Express<\/a> to the basic Membership Rewards portfolio you created in the previous section.<\/p>\n\n\n\n<p>Indeed, Membership Rewards points can be used whether you want to fly in the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/flights\/emirates-first-class-game-changer\/\">Emirates First Class Suite<\/a> or in economy class on Air Transat. The only difference between the two is the number you need to accumulate, but the strategy to maximize earnings is the same.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"246675\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>The <a target=\"_blank\" title=\"Business Platinum Card<sup>&reg;<\/sup> from American Express\" href=\"\/go\/amex-business-platinum-card\/\" rel=\"noindex\">Business Platinum Card<sup>&reg;<\/sup> from American Express<\/a> offers the following benefits:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Take full advantage of the American Express Global Lounge Collection, which provides access <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/lounges\/\">to over 1,300 airport lounges worldwide<\/a>. This includes the Centurion<sup>&reg;<\/sup> Lounge network, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/plaza-premium-salons-aeroport\/\">Plaza Premium Lounges<\/a>, and hundreds of other domestic and international lounges designed to enhance your travel experience.<\/li>\n\n\n\n<li>Benefit from top-tier advantages at Toronto Pearson Airport, including access to the Pearson Airport Priority Security Lane and parking discounts.<\/li>\n\n\n\n<li>Access reduced base fares for you and your travel companions when you book through the International Airline Program.<\/li>\n\n\n\n<li>You benefit from access to specialized services and events, preferential treatment, and a dedicated concierge team.<\/li>\n<\/ul><\/div>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Access to <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/medical-emergency-credit-card-insurance\/\">emergency medical insurance<\/a> outside the province or country (for those under 65), even if you do not charge your tickets and travel arrangements to your Business Platinum Card<sup>&reg;<\/sup> from American Express.<\/li>\n\n\n\n<li>Access <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/cancellation-interruption-travel-credit-cards\/\">Trip Cancellation Insurance<\/a>, Trip Interruption Insurance, Travel Emergency Assistance, and Travel Accident Insurance up to $500,000 when you charge the full amount of your tickets and travel arrangements to your Business Platinum Card<sup>&reg;<\/sup> from American Express.<\/li>\n\n\n\n<li>Additionally, you have access to <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/baggage-loss-rights-compensations\/\">Lost or Stolen Baggage Insurance<\/a>, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/flight-delays\/\">Flight Delay Insurance<\/a>, and Baggage Delay Insurance when you charge the total amount of your airline tickets to your <a target=\"_blank\" title=\"Business Platinum Card<sup>&reg;<\/sup> from American Express\" href=\"\/go\/amex-business-platinum-card\/\" rel=\"noindex\">Business Platinum Card<sup>&reg;<\/sup> from American Express<\/a>.<\/li>\n\n\n\n<li>Save money while traveling with free Car Rental Theft and Damage Insurance<\/li>\n<\/ul><\/div>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Protect your eligible purchases against accidental physical damage and theft for up to 90 days with the Purchase Protection<sup style=\"font-weight: var(--font-weight-light);\"><sup>&reg;<\/sup><\/sup> plan.<\/li>\n\n\n\n<li>Double the original manufacturer&#8217;s warranty for up to one additional year with the Buyer&#8217;s Assurance<sup style=\"font-weight: var(--font-weight-light);\"><sup>&reg;<\/sup><\/sup> Protection Plan.<\/li>\n<\/ul><\/div>\n\n\n\n<p>All these elements help reduce the cost of a traveler&#8217;s basic needs and can even improve your trip; unlimited free lounge access is not just about luxury, as you can always have something to eat during a long layover. Personally, paying US$17 for a bagel with cream cheese and a coffee for breakfast or a US$5 orange juice for my son hurts a bit.<\/p>\n\n\n\n<p>The <a target=\"_blank\" title=\"Business Platinum Card<sup>&reg;<\/sup> from American Express\" href=\"\/go\/amex-business-platinum-card\/\" rel=\"noindex\">Business Platinum Card<sup>&reg;<\/sup> from American Express<\/a> allows you to access many lounges with a guest and two children up to age 21; a family of four, especially with two teenagers, can easily spend over a hundred dollars for a meal at the airport.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2023\/06\/Amex-Featured-Salon-Air-France-YUL-1.jpg\" alt=\"American Express: Which is the best Membership Rewards credit card for you? - Amex Featured Air France Lounge YUL 1\" class=\"wp-image-282637\"\/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/01\/akl-salon-strata-36.jpg\" alt=\"American Express: Which is the best Membership Rewards credit card for you? - Akl Strata Lounge 36\" class=\"wp-image-123083\"\/><\/figure>\n<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<p>Furthermore, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/save-travel-insurance\/\">travel insurance<\/a> from the <a target=\"_blank\" title=\"Business Platinum Card<sup>&reg;<\/sup> from American Express\" href=\"\/go\/amex-business-platinum-card\/\" rel=\"noindex\">Business Platinum Card<sup>&reg;<\/sup> from American Express<\/a> is quite solid. Therefore, if you charge your trip to the card, you can benefit from a whole range of coverages without having to pay for them.<\/p>\n\n\n\n<p>The annual fee may seem high, but there are <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/annual-credits\/\">several credits granted<\/a> and <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/special-offers\/american-express-offers\/\">promotional offers<\/a>; with the travel benefits listed above and the earning potential on &#8220;other purchases,&#8221; it <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/credit-card-fees-justified\/\">can be justified<\/a>.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"299092\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>While the <a target=\"_blank\" title=\"American Express Platinum Card<sup>&reg;<\/sup>\" href=\"\/go\/amex-platinum-card\/\" rel=\"noindex\">American Express Platinum Card<sup>&reg;<\/sup><\/a> and the <a target=\"_blank\" title=\"Business Platinum Card<sup>&reg;<\/sup> from American Express\" href=\"\/go\/amex-business-platinum-card\/\" rel=\"noindex\">Business Platinum Card<sup>&reg;<\/sup> from American Express<\/a> are excellent Membership Rewards credit cards for enhancing your travels, the <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> should not be overlooked. The latter is the most generous for accumulating Membership Rewards points on travel expenses themselves:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Earn 2 points for every $1 of eligible travel purchases charged to the Card, whether for airline tickets, accommodation, car rentals, or cruises<\/li>\n<\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-best-membership-rewards-cards-for-air-canada\">Best Membership Rewards Cards &#8211; For Air Canada<\/h2>\n\n\n\n<p>If you often travel with <a target=\"_blank\" href=\"http:\/\/www.aircanada.com\">Air Canada<\/a> and <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/star-alliance-network-airlines\/\">its partners<\/a>, it makes sense to accumulate <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/aeroplan\/\">Aeroplan points<\/a>. Since Membership Rewards points <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/liste-principaux-programmes-transfert-points-canada\/\">can be transferred to Aeroplan<\/a> at a 1:1 ratio, the <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> is the best for your daily spending thanks to the 5X multiplier. You won&#8217;t be able to get 5 Aeroplan points per dollar with any other credit card.<\/p>\n\n\n\n<p>By pairing it with the <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup>* Reserve Card\" href=\"\/go\/amex-aeroplan-reserve\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup>* Aeroplan<sup>&reg;<\/sup> Reserve Card<\/a>, you can maximize Aeroplan earnings:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>Earn 3X the points<\/strong> on eligible purchases made directly with Air Canada<sup style=\"font-weight: var(--font-weight-light);\"><sup>&reg;<\/sup>*<\/sup> and Air Canada Vacations<sup style=\"font-weight: var(--font-weight-light);\"><sup>&reg;<\/sup>*<\/sup>.<\/li>\n\n\n\n<li><strong>Earn 1.25X the points <\/strong>on everything else<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"109341\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>Additionally, the <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup>* Reserve Card\" href=\"\/go\/amex-aeroplan-reserve\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup>* Aeroplan<sup>&reg;<\/sup> Reserve Card<\/a> offers many benefits for Air Canada travelers:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Get through the airport faster with Air Canada Priority Check-in, Air Canada Priority Boarding, and Air Canada Priority Baggage Handling.<\/li>\n\n\n\n<li>Receive an <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/air-canada-worldwide-companion-pass\/\">Annual Worldwide Companion Pass<\/a> when you make $25,000 in net purchases before your card anniversary date; your pass allows you to buy an Air Canada economy class ticket for a companion at a fixed base fare ranging from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges).<\/li>\n\n\n\n<li>Enjoy <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/acces-salons-feuille-erable-air-canada\/\">access to select Air Canada Maple Leaf Lounges<\/a><sup style=\"font-weight: var(--font-weight-light);\">*<\/sup> and Air Canada Caf\u00e9<sup style=\"font-weight: var(--font-weight-light);\"><sup>&reg;<\/sup><\/sup> in North America for you and a guest, with a same-day ticket on an Air Canada<sup style=\"font-weight: var(--font-weight-light);\"><sup>&reg;<\/sup>*<\/sup> or Star Alliance<sup style=\"font-weight: var(--font-weight-light);\"><sup>&reg;<\/sup>*<\/sup> flight.<\/li>\n\n\n\n<li>Enjoy your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/aeroplan-credit-card-free-checked-bag\/\">first eligible checked bag for free<\/a> for up to 9 people traveling on the same reservation on Air Canada flights.<\/li>\n\n\n\n<li>Carry over unallocated Aeroplan Elite\u2122 Status <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/air-canada-aeroplan-elite-status\/\">Status Qualifying Miles<\/a> and unused <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/aeroplan-eupgrades-business-class\/\">eUpgrades<\/a> to the following year to enjoy during your travels.<\/li>\n\n\n\n<li>American Express<sup>&reg;<\/sup> Experiences: From music and movies to specially curated meals and online shopping, stay connected with everything we have to offer from the comfort of your own home.<\/li>\n\n\n\n<li>Make the most of your travel experience at Toronto Pearson International Airport with:\n\n<ul>\n\t<li>Access to the Pearson Priority Security Lane<\/li>\n\n\n\n<li>Complimentary Valet Service at Express Park and Daily Park<\/li>\n\n\n\n<li>15% discount on parking rates at Express Park and Daily Park<\/li>\n\n\n\n<li>15% discount on Car Care Services<\/li>\n<\/ul><\/div>\n\n\n\n<p><\/li>\n\t<li>With your American Express<sup style=\"font-weight: var(--font-weight-light);\"><sup>&reg;<\/sup><\/sup> Aeroplan<sup style=\"font-weight: var(--font-weight-light);\"><sup>&reg;<\/sup>*<\/sup> Reserve Card, access over 1,200 <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/how-priority-pass-program-works\/\">Priority Pass airport lounges<\/a> and enjoy an oasis of comfort before your flight, regardless of your airline or cabin class.<\/li>\n\t<li>Insurance Coverage: Whether you are <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/extended-warranty-credit-cards\/\">shopping<\/a> locally or traveling abroad, you can have peace of mind knowing you can be taken care of.<\/li>\n<\/ul><\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"198146,175297,121580,226849\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"108763\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-best-membership-rewards-cards-for-marriott-bonvoy\">Best Membership Rewards Cards &#8211; For Marriott Bonvoy<\/h2>\n\n\n\n<p>As for Marriott Bonvoy fans, the <strong>best Membership Rewards card<\/strong> would also be the <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> since you can transfer them at a 1:1.2 ratio. There are also <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/special-offers\/marriott-transfer-bonus\/\">occasional transfer bonuses<\/a> that can increase this ratio to 1:1.56.<\/p>\n\n\n\n<p>Marriott hotels are an ideal choice for both budget and luxury travellers. Indeed, with <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/complete-map-hotels-marriott-bonvoy\/\">thousands of properties worldwide,<\/a> you can use as few as 5,000 points per night in places such as <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/amex-marriott-bonvoy-card-free-nights\/\">Bali<\/a> or <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/destination\/travel-hacking-south-africa\/\">South Africa<\/a> or over 100,000 to treat yourself to a lavish night in the famous <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/hotels\/al-maha-luxury-collection-dubai-suite-emirates\/\">Emirates Suite at Al Maha, a Luxury Collection Desert Resort &amp; Spa, Dubai<\/a>.<\/p>\n\n\n\n<p>One of the best benefits of Marriott Bonvoy is being able to enjoy the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/fifth-night-free-marriott-bonvoy\/\">fifth night free when you book with points<\/a>.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"135369\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>Similar to the Aeroplan maximization strategy, you can build your portfolio with the <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">Marriott Bonvoy<sup>&reg;<\/sup> American Express<sup>&reg;<\/sup>* Card<\/a> and the <a target=\"_blank\" title=\"Marriott Bonvoy<sup>&reg;<\/sup> Business American Express<sup>&reg;<\/sup>* Card\" href=\"\/go\/amex-marriott-bonvoy-business-card\/\" rel=\"noindex\">Marriott Bonvoy<sup>&reg;<\/sup> Business American Express<sup>&reg;<\/sup>* Card<\/a> to:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>Earn 5X the points<\/strong> for every dollar of purchase with the card at participating Marriott Bonvoy hotels.<\/li>\n\n\n\n<li><strong>Earn 3X the points<\/strong> for every dollar spent on eligible gas, dining, and travel.<\/li>\n\n\n\n<li><strong>Earn 2X the points<\/strong> for every dollar spent on everything else<\/li>\n<\/ul><\/div>\n\n\n\n<p>You can therefore cover all categories to obtain the highest number of Marriott Bonvoy points.<\/p>\n\n\n\n<p>Let&#8217;s not forget the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/amex-marriott-bonvoy-free-night-award\/\">Free Night Award<\/a> you receive with every renewal with the <a target=\"_blank\" title=\"Marriott Bonvoy<sup>&reg;<\/sup> Business American Express<sup>&reg;<\/sup>* Card\" href=\"\/go\/amex-marriott-bonvoy-business-card\/\" rel=\"noindex\">Marriott Bonvoy<sup>&reg;<\/sup> American Express<sup>&reg;<\/sup>* Card<\/a>! Used optimally, this benefit more than offsets the credit card fees you pay.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"66018,206750\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22624\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\">Conclusion<\/h2>\n\n\n\n<p>Membership Rewards points are very versatile and meet all kinds of goals, whether you are a cash back fan or a traveler (of any kind).<\/p>\n\n\n\n<p>As you can see, the <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> is the <strong>best Membership Rewards credit card<\/strong> in all strategies and should be considered a staple product to have in your portfolio.<\/p>\n\n\n\n<p>Then, depending on your consumer profile and specific needs, you can combine it with one or two other credit cards to maximize earnings and benefits to offset the few points that the <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> misses.<\/p>\n\n\n\n<p>If you are not yet convinced of the value of owning the <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> to get Membership Rewards points, why not try the program with the <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Green Card\" href=\"\/go\/amex-green\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Green Card<\/a>?<\/p>\n\n\n\n<p>It will allow you to taste the versatility of Membership Rewards points with no annual fee and offer you a nice welcome bonus of 10,000 points.<\/p>\n\n\n\n<p>With the <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Green Card\" href=\"\/go\/amex-green\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Green Card<\/a>, you can also test your usual merchants and ensure that <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/american-express-cards-acceptance-canada-quebec\/\">they accept American Express<\/a> as a payment method before taking the plunge with the <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"162805,64086\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-go-further-with-membership-rewards\">Go further with American Express Membership Rewards<\/h2>\n\n\n\n<p>To maximize your Membership Rewards earning, check our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/membership-rewards-american-express\/\">complete American Express Membership Rewards program guide<\/a> and our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/membership-rewards\/\">best American Express Membership Rewards credit cards ranking<\/a>, updated monthly by the Milesopedia team.<\/p>","protected":false},"excerpt":{"rendered":"<p>Here are the best credit cards for earning Membership Rewards points, the most flexible form of points, based on your profile.<\/p>","protected":false},"author":1237,"featured_media":447180,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[585],"tags":[],"mc_loyalty_program":[690],"class_list":["post-300026","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rewards","mc_issuer-american-express-canada-en","mc_loyalty_program-american-express-membership-rewards","mc_market-all-of-canada","tutorial-american-express-en"],"acf":{"mc_approved_badge":false,"mc_card_used":22621,"mc_featured_card_specific":22621,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>American Express: Which is the best Membership Rewards credit card for you? | Milesopedia<\/title>\n<meta name=\"description\" content=\"Here are the best credit cards for earning Membership Rewards points, the most flexible form of points, based on your profile.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/best-membership-rewards-credit-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"American Express: Which is the best Membership Rewards credit card for you?\" \/>\n<meta property=\"og:description\" content=\"Here are the best credit cards for earning Membership Rewards points, the most flexible form of points, based on your profile.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/best-membership-rewards-credit-card\/\" \/>\n<meta property=\"og:site_name\" content=\"Milesopedia\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-21T15:23:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-09T05:30:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/05\/Voyager-1024x538-06.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"538\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Aline Nguyen\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Aline Nguyen\" \/>\n\t<meta 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